If you're looking for a reliable, community-focused financial institution in Alabama, family security credit union might be exactly what you need. With a long-standing history dating back to 1953, this credit union has grown to serve over 70,000 members across 23 branches. Whether you're an individual, a family, or a small business owner, family security credit union offers a wide range of services designed to make your financial life a little easier.

From checking and savings accounts to home and auto loans, investment options, and even insurance programs, this credit union is more than just a bank. It’s a member-owned cooperative that puts your needs first. And with 24/7 online banking and mobile access, managing your money has never been more convenient.

Whether you're new to the area or have lived in Alabama for years, this guide will walk you through everything you need to know about family security credit union — from what they offer to how to join and what makes them stand out from the competition.

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Table of Contents

• What is Family Security Credit Union?
• Services They Offer
• Why Choose Family Security Credit Union?
• How to Become a Member
• Using Online and Mobile Banking
• Branch and ATM Locations
• Frequently Asked Questions

What Is Family Security Credit Union?

Family security credit union, or FSCU for short, is a state-chartered, federally insured credit union based in Decatur, Alabama. Established in 1953, it has grown steadily over the decades to become a key player in Alabama’s financial landscape. With assets exceeding $974 million and 23 physical branches, it serves over 70,000 members across the state.

As a credit union, FSCU is member-owned and operates with a community-first mindset. Unlike traditional banks, which are profit-driven corporations, credit unions like FSCU focus on offering fair rates, personalized service, and a commitment to the local communities they serve.

Services They Offer

Whether you're looking to open a new savings account, apply for a mortgage, or start planning for retirement, family security credit union offers a wide range of financial products and services to meet your needs. Here are some of the core services you’ll find:

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• Checking & Savings Accounts – Competitive rates, low fees, and easy access to funds.
• Loans – From personal loans to home and auto financing, FSCU offers flexible loan options.
• Investments & Retirement Accounts – Planning for the future? They provide tools and guidance for retirement savings and investment accounts.
• Business Services – Business checking, loans, and credit cards tailored for small businesses in Alabama.
• Insurance Options – Through the Family Security Plan® (FSP), members can access affordable insurance programs, including life, home, and auto insurance.

Why Choose Family Security Credit Union?

So what makes family security credit union different from other banks or credit unions in Alabama? Here are a few standout reasons:

Community Roots

FSCU has deep ties to Alabama communities. Since 1953, they’ve focused on supporting local residents, schools, and organizations. This sense of community is reflected in their customer service and the way they do business.

Competitive Rates

As a not-for-profit financial cooperative, FSCU often offers better interest rates on savings accounts and lower rates on loans than traditional banks. That can add up to big savings over time.

Convenient Banking

With online and mobile banking, 23 branches, and a robust ATM network, managing your money is easy — whether you're at home, at work, or on the go.

How to Become a Member

Membership at family security credit union is open to anyone who lives, works, worships, or attends school in any of the counties they serve in Alabama. You can also qualify if you’re related to a current member — so it’s pretty inclusive.

To join, you’ll need to:

1. Meet eligibility requirements (based on location, employment, or family ties).
2. Open a savings account with a small initial deposit (typically $5 to $25).
3. Complete an application either online, over the phone, or in person at a branch.

Once you’re in, you’ll have full access to all the services FSCU offers. Learn more about joining by visiting their official website and filling out a membership application.

Using Online and Mobile Banking

If you're anything like most people these days, you probably prefer managing your money on your phone or computer instead of waiting in line at a branch. Family security credit union makes that easy with their user-friendly online and mobile banking platforms.

Here’s what you can do with online and mobile banking:

• Check account balances in real-time.
• Transfer funds between accounts or to other people.
• Deposit checks using your phone’s camera.
• Pay bills and set up recurring payments.
• Apply for loans or check your loan status.
• Report lost or stolen cards and request replacements.

It’s all secure, free, and available 24/7. To get started, simply enroll in online banking through the FSCU member portal.

Branch and ATM Locations

If you prefer face-to-face banking, family security credit union has 23 branches across Alabama. Whether you're in Decatur, Albertville, or anywhere in between, there's likely a location near you. Each branch offers a full range of services, including account opening, loan applications, and financial advice.

They also have a wide network of ATMs, so you can withdraw cash without fees — even when you’re not near a branch. To find the nearest location, you can use their branch and ATM locator tool on their website.

For example, the Albertville branch is located at 5976 S. Broad St., Albertville, AL 35950. It offers lobby hours, drive-thru service, and ATM access for members who need in-person help or cash withdrawals after hours.

Frequently Asked Questions

Can I join family security credit union from outside Alabama?

Membership is generally limited to Alabama residents, those who work or worship in the state, or individuals related to current members. If you live outside Alabama, you may not be eligible to join unless you have a direct connection to someone who is.

What is the Family Security Plan®?

The Family Security Plan® is an insurance program offered through FSCU. It provides affordable insurance options like life, health, home, and auto coverage to credit union members. It’s been around for nearly 50 years and is one of the largest insurance distribution programs for credit union members nationwide.

How do I report a lost or stolen card?

You can report a lost or stolen card through the FSCU mobile app, online banking portal, or by calling their customer service team directly. They’ll help you freeze the card and issue a new one as quickly as possible.